The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$29,623
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,545
−HK$936/mo
Today · 4.125%
HK$31,481
baseline
▲ 0.50% · 4.625%
HK$33,396
+HK$1,915/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,962/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,955
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,839
−HK$897/mo
Today · 4.125%
HK$34,736
baseline
▲ 0.50% · 4.625%
HK$36,567
+HK$1,831/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,472/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,548
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,653
−HK$1,124/mo
Today · 4.125%
HK$37,777
baseline
▲ 0.50% · 4.625%
HK$40,076
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$75,554/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,547
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,607
−HK$1,076/mo
Today · 4.125%
HK$41,683
baseline
▲ 0.50% · 4.625%
HK$43,880
+HK$2,197/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$83,366/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,472
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,762
−HK$1,311/mo
Today · 4.125%
HK$44,073
baseline
▲ 0.50% · 4.625%
HK$46,755
+HK$2,682/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,146/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,138
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,375
−HK$1,255/mo
Today · 4.125%
HK$48,630
baseline
▲ 0.50% · 4.625%
HK$51,194
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,260/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,322
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,980
−HK$1,685/mo
Today · 4.125%
HK$56,665
baseline
▲ 0.50% · 4.625%
HK$60,113
+HK$3,448/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,330/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,320
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,911
−HK$1,614/mo
Today · 4.125%
HK$62,525
baseline
▲ 0.50% · 4.625%
HK$65,820
+HK$3,295/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,050/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,168 · Scale 2, in force from 26 Feb 2026)